Key skills
CCommunication
About this role
Role Overview
- Perform underwriting tasks by preparing complex business and personal financial spreads
- Perform risk analysis tasks by preparing complex risk grading documents and exercising subjectivity where appropriate
- Perform research and analysis tasks by reviewing complex third-party reports to identify credit risk relevant to loan requests
- Perform comprehensive credit analysis by preparing complex loan request presentations
- Develop specialization in specific industries and/or loan types to provide expertise as a resource to the credit and lending departments
- Assess and make recommendations with respect to borrower risk profiles
- Perform underwriting and risk analysis for complex commercial loan renewals and modifications
- Prepare service requests as needed to support portfolio management objectives
- Maintain financial statement tickler, covenant tickler and annual review tickler systems
- Complete education, as identified or assigned, that provides expertise in loan underwriting and overall professional development
- Assist with the training and development of junior analysts
Requirements
- Bachelor’s degree in accounting, finance, economics, or related field, or equivalent work experience
- Minimum 5-7 years of experience in commercial credit analysis and underwriting required.
- 7+ years of experience in underwriting large, complex commercial real estate (CRE) loans, commercial & industrial (C&I) loans, acquisition, development & construction (AD&C) loans, and asset-based lending credits is preferred.
- Experience in underwriting borrowers in a variety of industries and sectors including but not limited to financial technology, payments processing, renewable energies, and/or litigation finance a significant plus.
- Proficient in credit administration, policy, and procedures
- Proficient in economics, accounting, and finance
- Proficient in risk analysis and mitigation
- Proficient in technical report writing
- Excellent verbal and written communication skills.
Benefits
- Medical, Dental and Vision Insurance
- Health Savings Account (HSA), Health Reimbursement Account (HRA) & Flexible Spending Accounts (FSA)
- Short
- and Long-Term Disability Plan
- Group Life Insurance
- 401K Salary Deferral Plan
- Wellness Program
- Education & Tuition Expense Reimbursement
- PTO and Unique Vacation Purchase Program
- Nationwide Pet Insurance Coverage